Hi tinsoldier.

My reading of this is that there is nothing for you to worry about. You've met your commitments to the trust deed and should soon be discharged.

The fact that the creditors may not receive a dividend need not be of concern to you.

If it is of concern to your creditors there are procedures they can follow, but again this will not affect your position.

Thing is i've got a breakdown of what i've paid and what the fee is and there is a difference - where has the extra money gone?

so it won't affect me at all?

Could it be to do with outlays tinsoldier? That would include costs like advertising in the Edinburgh Gazette or a property valuation for example. It might also be connected to Vat?

I think it's right that you want to understand the numbers. I still don't think you have anything at all to worry about though.

Searches etc are mentioned.

I feel bad - i mean, does this mean my creditors receive nothing at all? Or is it just for the final year?

Just want this ended!

ps cheers

It does look like they may not be receiving a payment tinsoldier.

Please don't feel too bad; you've done what you promised to and these were commitments that your creditors have accepted.

If the creditors feel that the fees for the trust deed are a bit "steep" there are steps they can take (but only in connection to the Trustee, not you).

Just to add - sorry! - i was told i should have been sent a signed "form 5" but i don't seem to have one of these?

And has the forum heard of creditors receiving no dividend before?! i'm sure it must have happened but i can't help worrying!

sorry again!

You might want to ask for the form 5 tinsoldier; it evidences your discharge from the trust deed.

There have been other cases discussed here where no dividend was paid to creditors. It's not uncommon and often relates to a scenario where the trust deed provider had to do more work in connection with a case than was originally envisaged.